Bay County property record for 35 3s, #14W, Panama City, FL 32405
| Property Type | Commercial Vacant Land |
|---|---|
| Lot Size | 2.84 acres (123,710 sqft) |
| Owner | Individual Name on File |
| Flood Zone | Zone A (high risk) |
| APN | 14805-020-000 |
| Primary APN | 14805-020-000 |
|---|
| Lot Area | 123,710 sqft (2.84 acres) |
|---|
| Street Address | 35 3S # 14W, 14W |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405 |
| Property Category | Commercial |
| Property Type | Vacant Land > Commercial |
| Local Zoning Code | R1 |
| Legal Description | 35 3S 14W -1.30- 117C ST AND BAY DEV CO PLAT BEG AT SW COR OF LOT 99 TH N 434.74 TO SWLY LN OF GULF POWER EASEMENT TH SE 715.78 W 569.84 TO POB BEING A PART OF LOTS 99 & 94 ORB 3416 P 2165 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 35 |
| Legal Subdivision | ST AND BAY DEV CO PLAT |
| Legal Lot Number | 99 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 1200 |
35 3s, #14W, commercial vacant land, is owned by an individual.
Source: Bay County records, as of May 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 11 N B ST, PENSACOLA, FL 32502-4601 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | Additional exemption filed | $25,560 Land $25,560 | $25,560 Land $25,560 |
| 2023 | Additional exemption filed | $25,560 Land $25,560 | $25,560 Land $25,560 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 35 3s, #14W in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 40 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 40 in force |
| Nearby Flood Claims | 9 (2018–2020) |
| Claims Outside the SFHA | 8 of 9 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 35 3s, #14W is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 59% of the US · lower than 67% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon, WOW Internet, Cable & Phone.
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